Small deposit? Great news higher Loan to Value Mortgages are back

We have access to a wide range of products so let us find the right deal for you.

We have access to thousands of products so, let us find the right deal for you

Skiptons Track Record Mortgage

This incredible new product is designed specifically for those who have been renting successfully for 12 out of the last 18 months, but are struggling to save for a deposit. The new product will help those who have less than a 5% deposit potentially buy a home.  

This type of mortgage will be subject to the same lender criteria, subject to status and valuation as normal as well as special criteria. For example, each applicant must be a first time buyer, and aged 21 years and over, each applicant must have no missed payments on debts/credit commitments over the last 6 months as a minimum. 

For full terms and conditions and to see if you are eligible, give us a call. We are available 7 days a week.

95% Loan to Value Mortgages

With 95% mortgages recently returning to the market from many of the bigger mortgage providers, such as Skipton and the Nationwide Building Society, if you are seeking to buy a new home you may be confused about what this actually means.

So what is a 95% loan to value (LTV) mortgage?

The loan to value is the proportion of the value of the property that a lender is prepared to lend against. The greater the LTV the greater they perceive the risk to themselves to be and therefore it often comes with a higher rate of interest. So a 95% LTV mortgage means you can borrow 95% of the market value of your intended property purchase, meaning you only need to put down a 5% deposit.

This will suit people wanting to get onto the property ladder who have smaller deposits or live in areas where house prices are higher.

So how can I get a 95% LTV Mortgage?

Not sure where to start with arranging a mortgage? Thinking of going directly to your bank may limit your options as they only have access to their own products, whereas we have access to the whole market. Our friendly team are ready to help you 7 days a week.

We will do all the hard work for you.

We are passionate about making the purchase of your new home a whole lot easier. So contact us today so we can guide you through the process and start finding you the right mortgage deal for your personal circumstances. We will look after you from the initial application right through to exchange of contracts and legal completion.

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This is not a formal quotation or a commitment to lend. All figures provided are for illustrative purposes only. Figures provided will be dependent on your financial situation, property value and the size of your deposit or equity.